Can I stack Hilton Honors Business rewards with portal cashback?

Portal cashback + credit card rewards = cashback stacking. With the Hilton Honors Business earning 6% in its top category, you can add 1-15% more from a shopping portal. CashBackStacks calculates the best combination automatically.

How do I see all available discounts for Hilton Honors Business at once?

Instead of visiting individual portal sites and gift card marketplaces separately, CashBackStacks aggregates all of them for Hilton Honors Business. You'll see the best portal rate, gift card discounts from 14+ providers like Raise,CardCash,Fluz,GCX,Swagbucks, and your credit card's category bonus in one comparison view.

Does the Hilton Honors Business charge foreign transaction fees?

Good news: the Hilton Honors Business waives foreign transaction fees. Combined with its rewards categories, it's a solid choice for both domestic and international shopping.

Is the Hilton Honors Business's $195 annual fee worth it?

With a top earn rate of 6%, you break even on the $195 fee at about $3,250 in category spending per year. Many cardholders find the perks (travel credits, insurance, lounge access) worth more than the fee itself.

Are there restrictions on getting the Hilton Honors Business?

The Hilton Honors Business has the following application rules: Amex 1/10, Amex 3/90, No 2nd Biz, No 5/24, No CR. Check each rule's description on this page for details on how they may affect your eligibility.

What category earns the most with the Hilton Honors Business?

The Hilton Honors Business earns its highest rate of 6% in the Hotels (Portal) category. Stack this with a shopping portal for even higher total rewards.

CashBack$tacks

Hilton Honors Business

Business

American Express

$195 Annual Fee

Reward Categories

Hotels (Portal)

12X Bonus Points on purchases made directly with hotels and resorts within the H…

All Other

5X Bonus Points on other purchases made using your Card for the first $100,000 i…

2.5%

Limit: Hilton Business

All Other

All purchases

1.5%

Welcome Bonus

130,000 Points

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Limited Time: 175,000 Points (Expires: Apr 30, 2025)

Fees & Features

Annual Fee

$195

Foreign Transaction

No Fees

Transfer Partners

Not Available

Travel Portal

Not Available

Application Rules

Amex 1/10

Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.

Amex 3/90

You'll be declined if you apply for a fourth Amex card in 90 days.

No 2nd Biz

You might not be allowed to get a second card for a separate business (EIN).

No 5/24

Card approval not subject to 5-personal-cards-in-24-months rule

No CR

This business card will not show on your personal credit report, so it won't count against your 5/24 status.

About the Hilton Honors Business

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